Updated April 2026
State Requirements
Arizona requires minimum liability coverage of 25/50/15: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $15,000 for property damage. Drivers convicted of DUI, suspended for uninsured operation, or involved in at-fault accidents without proof of insurance must file SR-22 certification with the Arizona Motor Vehicle Division. The SR-22 filing itself is not insurance but proof that you carry continuous coverage meeting state minimums. Arizona law also mandates uninsured motorist coverage unless explicitly rejected in writing, which matters more for high-risk drivers facing premium increases after violations.
Cost Overview
High-risk auto insurance in Arizona costs significantly more than standard coverage due to limited carrier availability and increased underwriting risk. Drivers with DUI convictions typically see premiums increase 60–120%, while at-fault accidents or uninsured violations can raise rates 40–80%. Arizona's urban density in Phoenix and Tucson, combined with high uninsured motorist rates, further drives non-standard premiums.
What Affects Your Rate
- Violation type and severity: DUI convictions increase premiums more than single at-fault accidents or speeding tickets
- Time since violation: Rates decrease gradually as violations age beyond 3 years, with steeper drops after 5 years
- ZIP code and urban density: Phoenix and Tucson drivers pay 15–30% more than rural Arizona due to accident frequency and theft rates
- SR-22 filing requirement: Limits you to non-standard carriers who charge 20–50% more than standard market rates
- Coverage gaps or lapses: Any lapse in the past 6 months can double premiums with non-standard carriers
- Vehicle type and age: High-performance or luxury vehicles cost 30–60% more to insure under non-standard policies
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Get Your Free QuoteCoverage Types
Liability Insurance
Covers bodily injury and property damage you cause to others in an accident. Arizona's 25/50/15 minimums are rarely sufficient for serious accidents, which commonly exceed $100,000 in medical costs and lost wages.
SR-22 Insurance
Certificate filed by your insurer proving continuous coverage to the Arizona MVD. Required after DUI, license suspensions, and uninsured violations. Any lapse restarts the 3-year requirement and suspends your license.
Uninsured Motorist Coverage
Pays for your injuries and vehicle damage when hit by an uninsured or underinsured driver. Arizona automatically includes this coverage unless you explicitly reject it in writing.
Comprehensive Coverage
Covers theft, vandalism, weather damage, falling objects, and animal strikes. Not required by law but mandated by lenders for financed or leased vehicles.
Collision Coverage
Pays to repair or replace your vehicle after an accident, regardless of fault. Non-standard carriers often require collision even on paid-off vehicles for high-risk drivers with at-fault accidents on record.
Non-Standard Auto Insurance
Policies written by carriers specializing in high-risk drivers with DUIs, suspensions, violations, or SR-22 requirements. Premiums are higher but coverage is often the only option after standard market rejection.
